Net profit Financial founder Zhaorun Long: deciphering half turnover of more than 10 million secret i dark horse REVIEW: body mass financial markets, each market segments has enough space, Internet banking and traditional financial institutions also do not have to fight, in changing sides, running in the process, cooperation is the opportunity. Recently, the Internet banking platform net profit of nearly three months of financial transactions exceeded the one billion mark, and in a very short time there have been millions of dollars level IDG capital investment, which fully demonstrates the combination of Internet and traditional financial institutions The outbreak of the 'blowout' of the situation. Today we hear the former Chinese student version facebook founder,
Berkeley graduate brilliant student Zhaorun Long is how to play a turnover of one billion Internet banks. The following is 赵润龙 Oral: Student Edition facebook founder second venture net profit financial goal is to make China's leading Internet private banking, investment advisory services not only the line for the traditional high net worth investors, while the original is a high net worth private Internet banking services moved to the top, which greatly reduces the private customized financial threshold, so that ordinary people can enjoy the service originally belongs only to the local tyrant. Such models in the United States is relatively mature, such as Wealthfront, Learnvest pioneers such as within two years assets under management have more than 10 billion dollars, net profit in the financial development of China is also very good, within six months from the beginning to the present time not only our turnover has exceeded ten billion yuan at the same time we also have the opportunity to get the A round of financing IDG capital. I am a graduate of the University of California at Berkeley, a former Chinese student council, more importantly, has been a pioneering heart. When the United States out of a very fire of social platform called Facebook, when I was a sophomore, the first time I want to move to China Facebook model, then we have made a website called Friends Network, and combined with our own influence in the overseas Chinese students, mainly such a specific market segment for overseas Chinese student market, to overseas Chinese students are in a special part of their social platform.
By overseas Chinese students in this segments continue to deep plowing, by the end of 2006, we became the world's largest social platform overseas Chinese students, and on this basis was sold Zhanzuo Sequoia Capital investment. After the first start, maybe I at UC Berkeley majoring in the relationship between finance and economics, I chose in the financial sector, from slippers shorts Cock wire entrepreneurs transformed into investment bankers in suits and ties. I was the industry's top Morgan Stanley, and Merrill Lynch office, responsible for China and the United States of TMT companies listed and mergers and acquisitions, and from the shuttle in between Silicon Valley and Hong Kong. I also was involved in 2012 together with the Chairman of Merrill Lynch, Mr. Liu Erfei founded a "dead or alive cosplay costumes " Central China region as the leading private equity investment fund. Until last year, in the hot environment of Internet banking, we decided to venture out again, his own past Internet experience and sufficient financial experience together with his longtime friend and together founded the net financial benefit. Internet concept of private banking net profit financial goal is to build China's Internet private banks. First, the private banking sector in the West Bank is a very important and a relatively mature business analogy, Citibank's net profit was nearly half from the private banking business. In traditional private banks, for example, you are a high net worth clients, have a special private financial adviser about your personal investment preferences and risk tolerance assessments face to face, for you to make a personal asset situation judgment, and for make a very specialized asset allocation investment advice you, and then provide full service private banking butler for you. This mode is generally accomplished through the line, only for high net worth clients, and for lower personal assets of the general public investors, financial advisers do not provide service. And often the general investor-owned investment channels is minimal, investment knowledge is the most shallow, is most in need of a group to be served. After a professional statistics, over 95% of the general investor accepted the professional investment advisory services, the performance of his investment will exceed original investment performance of his own doing, but we saw was a huge Chinese investment market , far from being good in such a general public investor services market, it can attempt a breakthrough and investment direction.
China is well known for high savings country, most of the wealth in the bank, most of the financial needs are also far from being excited, then this will be a huge market. Net profit to finance not only high net worth clients to provide professional investment advisory services, but also through the Internet and investment evaluation algorithm originally belonging to high net worth customer service and putting it online, really help every investor, even if you have only 100 Yuan, we are willing to understand his situation and help him to control risk, and is committed to his wealth accumulation. On grasp the needs of users and user pain points net financial benefit in the strict sense is O2O model of financial products, both online, also under the wire. Our online financial threshold is very low, 100 yuan can enjoy our one-stop online banking services. We according to every ordinary user's actual financial needs, funds, investment horizon, risk tolerance, etc. for users to recommend personalized financial plan, meanwhile, can free online trading platform for our net Liberty, to purchase high quality 'Monetary fund, fixed income credit, bank financing and insurance' and other products. We are actually doing some traditional banks are not willing to do or do not do. Stop Internet private banks, in fact, everyone has a healthy investment program, a reasonable asset allocation, do not put your eggs all in one basket, this is our core value, even if you have tens of thousands of dollars and even a few thousand dollars, we will provide you tailor a special part of your financial plan.
Can be customized according to your personal situation, if you want to get high returns, and can withstand a certain degree of risk, we would recommend to you some of the high-yield products, but the risk is relatively high, such as P2P debt products, in fact, we By working with cosplay costumes for sale various agencies, through strict risk control audits, third-party guarantees, third-party authority rating, user accounts fully underwritten by a third party, managed funds and other measures largely greatly reduce the financial risk of the user. If you compare hate risk, in any case not to lose money, and strive to secure, this time we will give you recommend some earnings are relatively conservative, but a very high safety factor products.
But for most users, the portfolio is a wise choice. Thus the user is concerned, he only needs a simple online financial management entrance, enter the amount you want to finance, term, can take risks, we told him for his investment solutions, through our 'net Liberty' website buy financial products, or APP anywhere. We are actually doing for the asset allocation service users, to truly grasp the user's needs and pain points, as I said earlier, the average investor, he did not professional investment judgment, and now both lines Previous lines are still too many investment products appear, there are too many unscrupulous businessmen running, the general investor can not even distinguish a good or bad investment institutions, how to judge a real investment product and the bad? This time he needs us, the net profit will go to service every financial investor, how much money regardless of age, we will by virtue of professional knowledge accumulated over the years and algorithms tailored financial solutions for every investor, so choose is no longer a problem, provide one-stop financial services to investors. Many users say that financial management is rich thing, I have no money, finance this thing not to me. In fact, not a lack of demand, but people did not find financial products and channels for their balance of treasure turned out, just to prove this point. For ordinary wage earners, they made a wage, remain part of the spare cash on hand; perhaps spending part of the month, we will recommend a relatively prudent monetary income fund, with the use of cash, real-time arrival, current income is a bank of ten almost twenty times; another part of the short-term will not be used, we recommend that you configure 1-3 months, or six months period, one-year fixed-income products, benefits can reach 10% -15% annual earnings forecasts . samurai champloo cosplay If the family has more deposits, trusts can invest in high-quality, information management, limited partnership, foreign funds, high net worth products.
Therefore, financial this child, in fact, each of us lives are closely related. BAT enter this industry is a good thing I think BAT into the financial industry is actually not a particularly bad thing, because of their own to enter the industry on behalf of BAT Internet industry its financial future is very bright. We have been emphasizing that our service concept, and the advantages of BAT's not in this, because it has the advantage that it is a flood of traffic, as well as its brand influence of the Internet, from this perspective, financial, financial services we are more good, we are not only in the Internet online a platform, products, and we also have a special offline outlets to serve to the client, which is a member of our team have been doing. In addition, we bring our customers not only a product, in addition to service, we professional team to do a screening, is reflected in our own ability to control the wind. At the institutional side of each cooperative in the product when they do, we risk control through our own requirements, they will be asked, so that our platform is not only in line with their risk control, but also in line with our own wind control, so that in itself is from the user's point of view, for the type of product to do a screening, in fact it has added a risk control, but this piece of specialized financial capacity and risk control ability is generally not a pure Internet institutions . Internet banking selling water theory tremendous business opportunities in the field of Internet banking now we are digging for gold, in fact selling water, selling shoes, even selling the shovels, are equally huge opportunity. The mid-19th century, the 17-year-old crowd 亚默尔 With the influx of gold in California. He found that water scarcity in the valley, looking for gold deposits were the most painful that there is no water to drink.
So Ya Moer water sold gold digger, in a very short time has become a rich man. His practice is respected later, the formation of 'selling water theory.' I think that the Internet is now the financial sector, particularly the gold mine, who is also a lot of digging, so that other business opportunities derived from the fact, is very impressive. Now the market size of the entire Internet industry is very large, you see the balance of treasure now has reached the scale of hundreds of billions, if the IMF all together, probably about the size of a trillion, but actually a trillion the size of the entire financial industry, which is not large proportion, deposits in China last year was more than one hundred forty billion, which means that we are now the most familiar of the IMF has been speculation for two years, including BAT has entered the picture, in fact, the entire financial sector accounted for less than 1%, meaning that the industry opportunity is huge. Then such a huge industry, in fact, there are many different ways and methods to entrepreneurial innovation, because the financial industry is a very long chain, from the beginning of this project, the product risk control, to product structuring, to the sales of the product packaging and product, and there are too many main roads and branch bears entrepreneurial opportunities, so that if there are start-up team, then there is the financial opportunity in this area still find many. Start-up team genes determine the quality of the company and even the fate of the team will always be a core competitiveness of the company's most crucial performance of the first two years of any business success, and any one of the first two years of start-up performance to a large extent That depends on the beginning of the wave of people. Early we took a very big effort in team building top. We started in the recruitment of key employees is to spend enough time feeding effort, worn more than taking the number of sheets to put some really good people to pull our team. Met the best people, you like a hungry wolf 10 days to see a small sheep, direct jumped, tightly not relent. They like to drink we drink himself to accompany him bleeding, she met with children of our children can not wait to go when people godfather, not local we went to the city where they please, regardless of the distance, once not twice , not two times, not three times N times, do not complete the task dogged.
Through a variety of relationships, friendships, relationships, feelings will spend, even 'love' almost spend, and only then lure talent. I am now one of the most important job is to constantly looking for talented people to join us, basically a chief recruiting officer, weekends with friends to dinner next door heard the table talk of Internet banking will be rushed to make friends with other people attempt to dig up. I firmly believe that the best team, the best integration of resources, coupled with the right direction and pattern, to be able to have a strong executive power and the ability of continuous innovation, so that in essence, the team is our most critical core Competitiveness. Our company is now a vibrant, vigorous, everyone values the company net profit of finance are highly consistent. Some of our team members, in the original financial institutions holding high salary, then he gave up all these things come into our midst, he might just get salary original third quarter of First, even one-fifth, but the goal net profit Finance Internet private banks is to promote the core power of every network Liren continue to struggle. Like Steve Jobs once said that you are willing to continue from nine to five, day after day, year after year, in getting older, or are willing to join a financial interest and we change the world together? Well, then at least change China's financial industry together now! i dark horse Comments: Internet banking is actually inseparable from financial nature, nature is still finance. Just a quick Internet lets you get customers, including some traditional financial institutions serving less than customers.
And really in the inside as large, there is a big success, it must be a good combination of Internet and finance team, it must be combined online and offline. From the Internet and financial needs very experienced team out of people to do this thing, and net profit Financial fits this stage of their performance also proved this point, nearly three months of transactions exceeded one billion mark, it may be some other sites two or three years to reach the scale, and in a very short period of time which has been IDG capital investment of millions of dollars level, demonstrating a high-quality team of explosive. Sweep the day a little bit, understand the trend of the Internet Financial Times! Thanks focus on the most valuable financial micro letter: I horse internet banking and venture capital (iheimajinrong) you can call me 'Financial brother', if you want Fun Internet banking, please accession financial industry QQ exchange group: 346 320 036 If you like our The article, please click on the bottom Share on Twitter or micro-letter friends circle .300) this.width = 300 '\u003e [p = 25, null, left] i horse Reporter: Zhou pool